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Personal Banking

Valley Bank was established to serve the financial needs of our community, its businesses, and its citizens. No line of financial services is beyond our charter as long as we are serving the needs of businesses and families in our community.



At Valley Bank of Commerce, we’ve customized a variety of products and services to fit your personal banking needs and lifestyle. From our easy-to-use, convenient Free Checking Account to our interest-earning Super Now Account, we offer all the choices you need to find checking that works for you. Please come see us at one of our locations to find out more about the checking accounts that we offer and to find out which of the following accounts will meet your current needs and future goals.

Free Checking
Regular Checking
Blue Ribbon Checking
Blue Ribbon Checking (Over 50)
NOW Account
Jumbo Super NOW Account

Valley Bank of Commerce VISA® debit card

It’s about personal freedom- and with your Valley Bank of Commerce VISA® debit card you get just that. Available with any Valley Bank of Commerce checking account*, you will have the ability to access your funds in multiple ways with no monthly service fees and no extra fees for PIN or signature-based transactions used at point of sale or as a debit card. *Subject to approval.

Valley Bank of Commerce offers Verified by VISA with every VBC debit card, and is a FREE service to you!  Verified by VISA is the easy new way to enjoy added security for all of your online VISA card purchases. You will incur a one-time debit card fee of $5.00 for each debit card issued.  

Click here for more information and to sign up for this FREE service.

Savings, CD’s, Money Markets, and IRA’s

  • Savings Account
  • Certificates of Deposit (CD)

With competitive interest rates, flexible terms, available monthly interest checks and more, a Valley Bank of Commerce CD is an attractive, risk-free way to help you start building a stable financial future today.

  • Money Market Account. A Money Market Account is perfect for anyone who wants the benefit of a higher yield money market rate with the flexibility that allows you to have access to your money.
  • IRA’s

call or stop by the nearest Valley Bank of Commerce location to find out more about our savings accounts, and to find out which account is right for you.

Telephone Banking

Telebanking offers many of the same services as our online banking. You can check balances, transfer funds and make loan payments. It’s available 24 hours a day, 7 days a week, by calling 1-575-623-4115. And the best part is, it’s absolutely FREE with your Valley Bank checking or savings account.
For more information, or to sign up for telephone banking, call or stop by your nearest Valley Bank of Commerce location.

Personal Loans

Working for you. That’s how we do business at Valley Bank of Commerce, and our Personal Loan products are a reflection of how we continue to work for you every day. Whether you are looking to consolidate bills, buy a boat, or take the trip of a lifetime, VBC has the right loan product for you. Please call us or stop by our 2nd St. location to inquire about a Personal loan for you.

An application is a request for credit only. It is not a firm commitment to make a loan. A complete, signed application must be delivered to a location of the bank to be considered a formal request of credit with Valley Bank of Commerce. Certain credit restrictions apply and requests for additional information may be made at the bank’s discretion, to include, but not limited to, tax returns, payroll information or identification information. Subject to credit approval. Upon approval of credit applications and acceptance of loan terms, all final loan documents must be processed in person at one of our locations.


At Valley Bank of Commerce, we understand that most banks and mortgage companies offer multiple mortgage products and offer competitive mortgage rates. For that reason, our mortgage expert is dedicated to providing you with the unmatched customer service that she has become known for, in addition to multiple mortgage products and competitive rates. We do not only want to provide the resources to purchase a home, we also want to provide something that you can’t put a price on: peace of mind.

To begin the process of purchasing a home, refinancing your current home, or building a new home, please call or stop by our 2nd St. location and ask for Brenda McKenzie.

*documents must be processed in person at one of our locations.